Does homeowners insurance cover floods?
Usually no—flood needs a separate flood policy (NFIP or private).
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Learning Center
Home insurance FAQs
Rebuild cost, water backup, flood, roofs, and forms.
What is the difference between ACV and replacement cost?
ACV subtracts depreciation; replacement cost aims to repair/replace without depreciation, subject to limits.
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What does HO-3 mean?
Common homeowners form: dwelling often open perils; personal property often named perils.
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What is an HO-5 policy?
Generally broader than HO-3; contents often open perils too.
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Do I need renters insurance?
If you rent, HO-4 covers belongings and liability; the landlord's policy does not cover your stuff.
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What is condo insurance (HO-6)?
Covers unit owner responsibilities, belongings, and liability alongside the master policy.
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What is water backup coverage?
Endorsement for sewer/drain backup or sump overflow—often excluded otherwise.
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Does homeowners cover earthquake?
Usually not; buy separately.
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What is ordinance or law coverage?
Helps with code-upgrade costs after a covered loss.
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Is market value the same as insurance value?
No—dwelling limits are based on rebuild cost, not sale price including land.
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What is loss of use coverage?
Helps pay extra living expenses if a covered loss makes the home unlivable.
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Are jewelry and guns fully covered?
Theft sub-limits are common; scheduling valuables can help.
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Does homeowners cover a home business?
Only in a limited way—business exposures often need commercial coverage.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is a CLUE report?
A claims-history report used in underwriting.
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Do I need insurance before closing?
Lenders require a policy effective on closing day with a mortgagee clause.
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What does dwelling coverage pay for?
Covered damage to the house structure up to the limit.
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What are other structures?
Detached sheds, fences, detached garages (Coverage B).
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Does homeowners cover mold?
Often limited except when from a sudden covered loss.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
What is a wind/hail deductible?
Special deductible—sometimes a percentage of dwelling limit—for wind/hail.
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Are trampolines a problem?
Many insurers restrict or surcharge them.
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Do pools raise rates?
They can; fencing and higher liability may be required.
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What is vacant home insurance?
Standard HO restricts vacancy; vacant homes need specialty policies.
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What is extended replacement cost?
Can pay a percentage above the dwelling limit if rebuild costs spike.
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Does Airbnb hosting affect homeowners?
Short-term rental is often limited/excluded—tell your agent before listing.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
What is landlord insurance?
Dwelling/landlord coverage for rentals you own but do not occupy.
Want help applying this to your situation? Talk with a Stockton-Hill Insurance agent or start a personal quote at /personal-quote/.
Questions about your coverage? Request a personal quote or call (740) 642-3333.
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